Wasting your time with things I find interesting, amusing, or enraging. Reinke does not work for, consult to, own shares in or receive funding from any company or organisation that would benefit from this article, and has no relevant affiliations

Oh I have navy federal credit union, usaa and state department federal cu. Any one in particular u think is better?

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On Jul 27, 2012 12:31 AM, UNCLE_GRUMPY wrote:

Do a spreadsheet comparison of the factors that matter to you:

cu1 cu2 cu3

* Easy to do biz (atm location, fees)

* Share interest rate

* Can I have sub accounts

* Auto loan rates

* Home loan rates

Then pick one and stick to it. I’d keep a minimum deposit in the others to preserve your eligibility. That a mistake I’ve made.

Then you need (imho):

(1) Emergency Fund (Roach motel — money goes in but never comes out). Priority One uber alles. You’re a hard case to figure out the right amount. But at the minimum, I call it one year at your Minimum Burn Rate (see blog).

(2) Car amortization fund (See blog post on 6 year car payment so that you have the money to buy a new one when your current ride dies.)

(3) If you’re a “monthly” paycheck to paycheck (which is what it sounds like to me), then annual and quarterly bills need a “monthly” “bill”. For example if car insurance is $1200 per year, then you must “pay” the subaccount $100 / per month.

If you’re a “weekly” gal, subsitute as needed. If you’re a bi-weekly, the math is slighly more complex. In the example, $1200 / 26 = $38.50.And, “monthly” bills are multiplied by 12 then divide by 26. (Hint: It’s 46%) You must get to the point, where you’re ahead to annualize.

Getting off the paycheck to paycheck is essential.

(3) You like to travel, you need a subaccount to “tax” yourself for you next trip. Take your last trip, if you know what it actually cost I’d be surprised. Guesstimate divide by the number of paychecks and that’s your “tax” for that. You may not be able to afford that, so either scale back the trip or stretch the duration until the next one.

(4) “Sinking funds” for any expenses that can’t be accurately estimated (very few of those) and who’s frequency can’t be predicted (very few of those).

Gooferment Skrules are training grounds for future prisoners. Today’s teachers are more akin to corrections officers. Let’s get the Gooferment out of education completely. They are just interested in: cannon fodder for the Army, willing morons for the factories, and useful idiots to vote for and be led by the elite. Take note where all the rich, politicians, and bureaucrats send their children? Except for Jimmy Carter, it’s private school for the future leaders of society.

Aurora, Colo., shooting spree: A day of tears for victims and of twists in caseBy David A. Fahrenthold, Thomas Heath and Joel Achenbach, Published: July 22

*** begin quote ***

AURORA, Colo. — Sunday was a day to mourn here — and ask, fruitlessly, why.

Two days after a shooting rampage killed 12 people and wounded 58 in a movie theater, President Obama flew in to praise victims and survivors. And Colorado leaders held the first large public memorial service, asking a crowd of thousands to repeat “We will remember” after each of the 12 names.

Away from these rituals, new details emerged about the suspect, James Holmes, 24. Authorities said the gunman might have killed more if his assault rifle had not jammed. And he might have been mistaken for a SWAT officer by arriving police, had not one officer spotted something odd in his body armor.

*** and ***

A law enforcement source, who is close to the investigation but not authorized to speak publicly, said something went awry in the killer’s planned assault at the theater. Police said the alleged gunman had three weapons: a Remington shotgun, a Smith & Wesson M&P assault rifle and a Glock .40-caliber handgun.

The assault rifle, which is akin to an AR-15 and is a civilian version of the military’s M-16, could fire 50 to 60 rounds per minute and is designed to hold large ammunition magazines. The source said that Holmes allegedly had obtained a 100-round drum magazine that attached to the weapon but that such large magazines are notorious for jamming.

The law enforcement official said authorities think the gunman first used the shotgun — some victims have buckshot wounds — and then began using the assault rifle, which jammed. Then he resorted to the handgun.

*** and ***

Initial police accounts said he surrendered without incident to officers who found him at his car behind the theater complex. But Oates, in an interview on CBS’s “Face the Nation” on Sunday, described a more complicated scene in the minutes after the shooting. He said police arriving at the scene might have mistaken Holmes for a SWAT officer. He was allegedly dressed in black ballistic gear, including a helmet, a throat guard, a vest, leggings and gloves.

Oates said a piece of equipment in Holmes’s elaborate gear — he would not specify which piece — struck one of the responding officers as irregular. The officer questioned Holmes. Oates did not describe the exchange, only the result: Holmes was arrested.